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Vermont Claims Adjuster — Requirements & Free Practice

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Public Adjuster

Adjusting insurance claims on behalf of the insured.

Licensing authority: Vermont Department of Financial Regulation · Application information

Initial nonresident licensure with comparable license credentials — experience
Vermont Adjuster's Examination for Property and Casualty Insurance
Application
Submit the prescribed application, required documentation, and applicable application and licensing fees.
Certification
DFR permits certification from a state where the applicant passed an examination and is currently licensed; otherwise take the Vermont P&C examination. For P&C paper applications, home-state certification must be no older than 90 days.
Designated Home State Conflict
The DFR Public Adjuster application page states “Public Adjusters who have a Designated Home State (DHS), can apply using NIPR”; NIPR’s nonresident adjuster renewal instructions state “Public Adjusters may not designate a Home State.” The latter applies to renewal; applicants should consult DFR about their eligible application channel.
Exam Waiver
The Commissioner may waive the Vermont written examination when a comparable examination was passed or a like license was continuously held before examinations were required. Another state’s examination is applicant evidence, not a Vermont route leaf.
Experience Pathway
At least two years of experience handling the relevant loss claims.
Fitness
The Commissioner must deem the applicant competent, trustworthy, financially responsible, and of good personal and business reputation.
Minimum Age
At least 18 years old.
Residency
Hold a like license in the United States or a Canadian province; the application designates the Commissioner for service of process. Vermont cannot be designated as home state.
Score Window
Under 8 V.S.A. § 4800(3)(D)(i), submit the application within 24 months after the examination.
Initial nonresident licensure with comparable license credentials — supervision
Vermont Adjuster's Examination for Property and Casualty Insurance
Application
Submit the prescribed application, required documentation, and applicable application and licensing fees.
Certification
DFR permits certification from a state where the applicant passed an examination and is currently licensed; otherwise take the Vermont P&C examination. For P&C paper applications, home-state certification must be no older than 90 days.
Designated Home State Conflict
The DFR Public Adjuster application page states “Public Adjusters who have a Designated Home State (DHS), can apply using NIPR”; NIPR’s nonresident adjuster renewal instructions state “Public Adjusters may not designate a Home State.” The latter applies to renewal; applicants should consult DFR about their eligible application channel.
Exam Waiver
The Commissioner may waive the Vermont written examination when a comparable examination was passed or a like license was continuously held before examinations were required. Another state’s examination is applicant evidence, not a Vermont route leaf.
Experience Pathway
Employment under the immediate personal supervision of a Vermont licensee in the same adjuster class established in that business for at least three years before the application.
Fitness
The Commissioner must deem the applicant competent, trustworthy, financially responsible, and of good personal and business reputation.
Minimum Age
At least 18 years old.
Residency
Hold a like license in the United States or a Canadian province; the application designates the Commissioner for service of process. Vermont cannot be designated as home state.
Score Window
Under 8 V.S.A. § 4800(3)(D)(i), submit the application within 24 months after the examination.
Initial nonresident licensure with comparable license credentials — training
Vermont Adjuster's Examination for Property and Casualty Insurance
Application
Submit the prescribed application, required documentation, and applicable application and licensing fees.
Certification
DFR permits certification from a state where the applicant passed an examination and is currently licensed; otherwise take the Vermont P&C examination. For P&C paper applications, home-state certification must be no older than 90 days.
Designated Home State Conflict
The DFR Public Adjuster application page states “Public Adjusters who have a Designated Home State (DHS), can apply using NIPR”; NIPR’s nonresident adjuster renewal instructions state “Public Adjusters may not designate a Home State.” The latter applies to renewal; applicants should consult DFR about their eligible application channel.
Exam Waiver
The Commissioner may waive the Vermont written examination when a comparable examination was passed or a like license was continuously held before examinations were required. Another state’s examination is applicant evidence, not a Vermont route leaf.
Experience Pathway
Special training of sufficient duration and scope to make the applicant competent; submit its detailed description, syllabus, curriculum, and training material for recognition.
Fitness
The Commissioner must deem the applicant competent, trustworthy, financially responsible, and of good personal and business reputation.
Minimum Age
At least 18 years old.
Residency
Hold a like license in the United States or a Canadian province; the application designates the Commissioner for service of process. Vermont cannot be designated as home state.
Score Window
Under 8 V.S.A. § 4800(3)(D)(i), submit the application within 24 months after the examination.
Reapplication following expiration — nonresident home state
Vermont Adjuster's Examination for Property and Casualty Insurance
Application
Submit the prescribed application, required documentation, and applicable application and licensing fees.
Application Channel
Apply through the initial licensing application; all applicable new-license requirements apply.
Exam Waiver
Comparable examination and like-license credentials may support the Commissioner’s statutory nonresident written-examination waiver; preserve the Vermont exam as a leaf.
Experience
Meet one of the statutory experience, special-training, or immediate-supervision alternatives.
Fitness
The Commissioner must deem the applicant competent, trustworthy, financially responsible, and of good personal and business reputation.
Minimum Age
At least 18 years old.
Prior License
The Vermont license expired; After expiration, the individual must apply as a new applicant through the initial license application.
Residency
nonresident-home-state
Score Window
Under 8 V.S.A. § 4800(3)(D)(i), submit the application within 24 months after the examination.
Reapplication following expiration — nonresident no home state
Vermont Adjuster's Examination for Property and Casualty Insurance
Application
Submit the prescribed application, required documentation, and applicable application and licensing fees.
Application Channel
Apply through the initial licensing application; all applicable new-license requirements apply.
Exam Waiver
Comparable examination and like-license credentials may support the Commissioner’s statutory nonresident written-examination waiver; preserve the Vermont exam as a leaf.
Experience
Meet one of the statutory experience, special-training, or immediate-supervision alternatives.
Fitness
The Commissioner must deem the applicant competent, trustworthy, financially responsible, and of good personal and business reputation.
Minimum Age
At least 18 years old.
Prior License
The Vermont license expired; After expiration, the applicant must apply as a new licensee and meet all new licensing requirements, including examination.
Residency
nonresident-no-home-state
Score Window
Under 8 V.S.A. § 4800(3)(D)(i), submit the application within 24 months after the examination.
Reapplication following expiration — resident
Vermont Adjuster's Examination for Property and Casualty Insurance
Application
Submit the prescribed application, required documentation, and applicable application and licensing fees.
Application Channel
Apply through the initial licensing application; all applicable new-license requirements apply.
Experience
Meet one of the statutory experience, special-training, or immediate-supervision alternatives.
Fitness
The Commissioner must deem the applicant competent, trustworthy, financially responsible, and of good personal and business reputation.
Minimum Age
At least 18 years old.
Prior License
The Vermont license expired; After expiration, the applicant must apply as a new licensee and meet all new licensing requirements, including examination.
Residency
resident
Score Window
Under 8 V.S.A. § 4800(3)(D)(i), submit the application within 24 months after the examination.
Biennial renewal — nonresident home state
Vermont Adjuster's Examination for Property and Casualty Insurance
Application Channel
Use NIPR; DFR permits paper only when electronic renewal is unavailable or a hardship exception is granted.
Existing License
Hold an active Vermont license of this class.
Lines Of Authority
Property and Casualty must be selected together; no partial adjuster renewals.
Prior Examination
8 V.S.A. § 4803(a) requires continuing license qualifications, including passage of any required written examination. Prior qualifying passage satisfies this condition; the routine renewal procedure does not itself demand another sitting.
Renewal Cycle
Renew during the authorized period, ending March 31 of even-numbered years; submit the renewal and applicable fees.
Residency
Nonresident with a qualifying resident or designated-home-state adjuster license.
Biennial renewal — nonresident no home state
Vermont Adjuster's Examination for Property and Casualty Insurance
Application Channel
Use NIPR; DFR permits paper only when electronic renewal is unavailable or a hardship exception is granted.
Existing License
Hold an active Vermont license of this class.
Lines Of Authority
Property and Casualty must be selected together; no partial adjuster renewals.
Prior Examination
8 V.S.A. § 4803(a) requires continuing license qualifications, including passage of any required written examination. Prior qualifying passage satisfies this condition; the routine renewal procedure does not itself demand another sitting.
Renewal Cycle
Renew during the authorized period, ending March 31 of even-numbered years; submit the renewal and applicable fees.
Residency
No active resident license; for insurer-side adjuster classes both business and residence addresses must be in jurisdictions that do not license adjusters.
Biennial renewal — resident
Vermont Adjuster's Examination for Property and Casualty Insurance
Application Channel
Use NIPR; DFR permits paper only when electronic renewal is unavailable or a hardship exception is granted.
Existing License
Hold an active Vermont license of this class.
Lines Of Authority
Property and Casualty must be selected together; no partial adjuster renewals.
Prior Examination
8 V.S.A. § 4803(a) requires continuing license qualifications, including passage of any required written examination. Prior qualifying passage satisfies this condition; the routine renewal procedure does not itself demand another sitting.
Renewal Cycle
Renew during the authorized period, ending March 31 of even-numbered years; submit the renewal and applicable fees.
Initial resident licensure by examination — experience
Vermont Adjuster's Examination for Property and Casualty Insurance
Application
Submit the prescribed application, required documentation, and applicable application and licensing fees.
Experience Pathway
At least two years of experience handling the relevant loss claims.
Fitness
The Commissioner must deem the applicant competent, trustworthy, financially responsible, and of good personal and business reputation.
Minimum Age
At least 18 years old.
Residency
Reside or maintain the principal place of business in Vermont; election of Vermont resident licensure excludes conflicting resident status elsewhere.
Score Window
Under 8 V.S.A. § 4800(3)(D)(i), submit the application within 24 months after the examination.
Initial resident licensure by examination — supervision
Vermont Adjuster's Examination for Property and Casualty Insurance
Application
Submit the prescribed application, required documentation, and applicable application and licensing fees.
Experience Pathway
Employment under the immediate personal supervision of a Vermont licensee in the same adjuster class established in that business for at least three years before the application.
Fitness
The Commissioner must deem the applicant competent, trustworthy, financially responsible, and of good personal and business reputation.
Minimum Age
At least 18 years old.
Residency
Reside or maintain the principal place of business in Vermont; election of Vermont resident licensure excludes conflicting resident status elsewhere.
Score Window
Under 8 V.S.A. § 4800(3)(D)(i), submit the application within 24 months after the examination.
Initial resident licensure by examination — training
Vermont Adjuster's Examination for Property and Casualty Insurance
Application
Submit the prescribed application, required documentation, and applicable application and licensing fees.
Experience Pathway
Special training of sufficient duration and scope to make the applicant competent; submit its detailed description, syllabus, curriculum, and training material for recognition.
Fitness
The Commissioner must deem the applicant competent, trustworthy, financially responsible, and of good personal and business reputation.
Minimum Age
At least 18 years old.
Residency
Reside or maintain the principal place of business in Vermont; election of Vermont resident licensure excludes conflicting resident status elsewhere.
Score Window
Under 8 V.S.A. § 4800(3)(D)(i), submit the application within 24 months after the examination.

Vermont Adjuster's Examination for Property and Casualty Insurance

Provider
Prometric
Format
Computer-administered, four-option multiple-choice questions
Exam questions
150 scored questions plus 5 unscored items
Time limit
2.5 hours
Examination outline
  • Insurance Regulation (5%)
    • 1.1 Licensing requirements
    • Licensing requirements — Qualifications (4803(a))
    • Licensing requirements — Process (4800, 4800a)
    • Licensing requirements — Licensing exceptions (4803(d)(2))
    • Licensing requirements — Nonresident adjuster (4803(d))
    • 1.2 Maintenance and duration
    • Maintenance and duration — Renewal (4798, 4800a)
    • Maintenance and duration — Expiration (4798)
    • Maintenance and duration — Records (4803(c))
    • 1.3 Disciplinary actions
    • Disciplinary actions — Denial of license (4800(3)(E))
    • Disciplinary actions — Cease and desist order (3661)
    • Disciplinary actions — Suspension, revocation or nonrenewal (4804; 4806)
    • Disciplinary actions — Fines (4804(d))
    • 1.4 Claims settlement laws and regulations (4724(9);
    • Claims settlement laws and regulations (4724(9); — Reg 79-2 Sec 1-9; Bulletin 162)
    • 1.5 Federal regulation
    • Federal regulation — Fraud and false statements (18 USC 1033, 1034)
  • Insurance Basics (15%)
    • 2.1 Contracts
    • Contracts — Elements of a legal contract
    • Contracts — Elements of a legal contract — Offer and acceptance
    • Contracts — Elements of a legal contract — Consideration
    • Contracts — Elements of a legal contract — Competent parties
    • Contracts — Elements of a legal contract — Legal purpose
    • Contracts — Distinct characteristics of an insurance contract
    • Contracts — Distinct characteristics of an insurance contract — Contract of adhesion
    • Contracts — Distinct characteristics of an insurance contract — Aleatory contract
    • Contracts — Distinct characteristics of an insurance contract — Personal contract
    • Contracts — Distinct characteristics of an insurance contract — Unilateral contract
    • Contracts — Legal interpretations affecting contracts
    • Contracts — Legal interpretations affecting contracts — Ambiguities in a contract of adhesion
    • Contracts — Legal interpretations affecting contracts — Reasonable expectations
    • Contracts — Legal interpretations affecting contracts — Indemnity
    • Contracts — Legal interpretations affecting contracts — Utmost good faith
    • Contracts — Legal interpretations affecting contracts — Representations/misrepresentations
    • Contracts — Legal interpretations affecting contracts — Warranties
    • Contracts — Legal interpretations affecting contracts — Concealment
    • Contracts — Legal interpretations affecting contracts — Fraud
    • Contracts — Legal interpretations affecting contracts — Waiver and estoppel
    • 2.2 Principles and concepts
    • Principles and concepts — Insurable interest
    • Principles and concepts — Hazards
    • Principles and concepts — Hazards — Physical
    • Principles and concepts — Hazards — Moral
    • Principles and concepts — Hazards — Morale
    • Principles and concepts — Negligence
    • Principles and concepts — Negligence — Elements of a negligent act
    • Principles and concepts — Negligence — Defenses against negligence
    • Principles and concepts — Damages
    • Principles and concepts — Damages — Compensatory — special versus general
    • Principles and concepts — Damages — Punitive
    • Principles and concepts — Absolute liability
    • Principles and concepts — Strict liability
    • Principles and concepts — Vicarious liability
    • Principles and concepts — Causes of loss (perils)
    • Principles and concepts — Named perils versus special (open) perils
    • Principles and concepts — Direct loss
    • Principles and concepts — Consequential or indirect loss
    • Principles and concepts — Blanket versus specific insurance
    • Principles and concepts — Basic types of construction
    • Principles and concepts — Loss valuation
    • Principles and concepts — Loss valuation — Actual cash value
    • Principles and concepts — Loss valuation — Replacement cost
    • Principles and concepts — Loss valuation — Functional replacement cost
    • Principles and concepts — Loss valuation — Market value
    • Principles and concepts — Loss valuation — Agreed value
    • Principles and concepts — Loss valuation — Stated amount
    • Principles and concepts — Loss valuation — Valued policy
    • 2.3 Policy structure
    • Policy structure — Declarations
    • Policy structure — Definitions
    • Policy structure — Insuring agreement or clause
    • Policy structure — Additional/supplementary coverage
    • Policy structure — Conditions
    • Policy structure — Exclusions
    • Policy structure — Endorsements
    • 2.4 Common policy provisions
    • Common policy provisions — Insureds — named, first named, additional
    • Common policy provisions — Policy period
    • Common policy provisions — Policy territory
    • Common policy provisions — Cancellation and nonrenewal
    • Common policy provisions — Deductibles
    • Common policy provisions — Other insurance
    • Common policy provisions — Other insurance — Nonconcurrency
    • Common policy provisions — Other insurance — Primary and excess
    • Common policy provisions — Other insurance — Pro rata
    • Common policy provisions — Other insurance — Contribution by equal shares
    • Common policy provisions — Limits of liability
    • Common policy provisions — Limits of liability — Per occurrence (accident)
    • Common policy provisions — Limits of liability — Per person
    • Common policy provisions — Limits of liability — Aggregate — general versus products — completed operations
    • Common policy provisions — Limits of liability — Split
    • Common policy provisions — Limits of liability — Combined single
    • Common policy provisions — Restoration/nonreduction of limits
    • Common policy provisions — Coinsurance
    • Common policy provisions — Vacancy or unoccupancy
    • Common policy provisions — Assignment
    • Common policy provisions — Insurer provisions
    • Common policy provisions — Insurer provisions — Liberalization
    • Common policy provisions — Insurer provisions — Duty to defend
    • Common policy provisions — Third-party provisions
    • Common policy provisions — Third-party provisions — Standard mortgage clause
    • Common policy provisions — Third-party provisions — Loss payable clause
    • Common policy provisions — Third-party provisions — No benefit to Bailee
    • 2.5 Vermont laws, regulations and required
    • Vermont laws, regulations and required — provisions
    • Vermont laws, regulations and required — Vermont Property and Casualty Insurance Guaranty Association (3611–3626)
    • Vermont laws, regulations and required — Renewal notice (3882; 4715)
    • Vermont laws, regulations and required — Cancellation and nonrenewal (3879–3881; 3883; 4711–4714)
    • Vermont laws, regulations and required — Coinsurance (3961–3968)
    • Vermont laws, regulations and required — Pollution coverage (Bul 111)
    • Vermont laws, regulations and required — Required provisions (4203)
  • Adjusting Losses (20%)
    • 3.1 Role of the adjuster
    • Role of the adjuster — Duties and responsibilities
    • Role of the adjuster — Staff and independent adjuster versus public adjuster (4791)
    • Role of the adjuster — Relationship to the legal profession
    • 3.2 Claim reporting
    • Claim reporting — Claim investigation
    • Claim reporting — Claim file documentation of events
    • Claim reporting — Types of reports
    • Claim reporting — Types of reports — Initial or first field
    • Claim reporting — Types of reports — Interim or status
    • Claim reporting — Types of reports — Full formal
    • 3.3 Property losses
    • Property losses — Duties of insured after a loss
    • Property losses — Duties of insured after a loss — Notice to insurer
    • Property losses — Duties of insured after a loss — Minimizing the loss
    • Property losses — Duties of insured after a loss — Proof of loss
    • Property losses — Duties of insured after a loss — Special requirements
    • Property losses — Duties of insured after a loss — Production of books and records
    • Property losses — Duties of insured after a loss — Abandonment
    • Property losses — Determining value and loss
    • Property losses — Determining value and loss — Burden of proof of value and loss
    • Property losses — Determining value and loss — Estimates
    • Property losses — Determining value and loss — Depreciation
    • Property losses — Determining value and loss — Salvage
    • Property losses — Claim settlement options
    • Property losses — Payment and discharge
    • 3.4 Liability losses
    • Liability losses — Investigation procedures
    • Liability losses — Investigation procedures — Verify coverage
    • Liability losses — Investigation procedures — Determine liability
    • Liability losses — Gathering evidence
    • Liability losses — Gathering evidence — Physical evidence
    • Liability losses — Gathering evidence — Witness statements
    • Liability losses — Gathering evidence — Police reports
    • Liability losses — Determining value of intangible damages
    • 3.5 Coverage problems
    • Coverage problems — Dealing with coverage disputes
    • Coverage problems — Dealing with coverage disputes — Reservation of rights letter
    • Coverage problems — Dealing with coverage disputes — Nonwaiver agreement
    • Coverage problems — Dealing with coverage disputes — Declaratory judgment action
    • 3.6 Claims adjustment procedures
    • Claims adjustment procedures — Settlement procedures
    • Claims adjustment procedures — Settlement procedures — Advance payments
    • Claims adjustment procedures — Settlement procedures — Draft authority
    • Claims adjustment procedures — Settlement procedures — Execution of releases
    • Claims adjustment procedures — Subrogation procedures
    • Claims adjustment procedures — Alternative dispute resolution
    • Claims adjustment procedures — Alternative dispute resolution — Appraisal
    • Claims adjustment procedures — Alternative dispute resolution — Arbitration
    • Claims adjustment procedures — Alternative dispute resolution — Competitive estimates
    • Claims adjustment procedures — Alternative dispute resolution — Mediation
    • Claims adjustment procedures — Alternative dispute resolution — Negotiation
  • Dwelling Policy (6%)
    • 4.1 Characteristics and purpose
    • 4.2 Coverage forms — Perils insured against
    • Coverage forms — Perils insured against — Basic
    • Coverage forms — Perils insured against — Broad
    • Coverage forms — Perils insured against — Special
    • 4.3 Property coverages
    • Property coverages — Coverage A — Dwelling
    • Property coverages — Coverage B — Other structures
    • Property coverages — Coverage C — Personal property
    • Property coverages — Coverage D — Fair rental value
    • Property coverages — Coverage E — Additional living expense
    • Property coverages — Other coverages
    • 4.4 General exclusions
    • 4.5 Conditions
    • 4.6 Selected endorsements
    • Selected endorsements — Special provisions — Vermont (DP 01 44)
    • Selected endorsements — Automatic increase in insurance (DP 04 11)
    • Selected endorsements — Broad theft coverage (DP 04 72)
    • Selected endorsements — Dwelling under construction (DP 11 43)
    • 4.7 Personal liability supplement
  • Homeowners Policy (15%)
    • 5.1 Coverage forms
    • Coverage forms — HO-2 through HO-6
    • 5.2 Definitions
    • 5.3 Section I — Property coverages
    • Section I — Property coverages — Coverage A — Dwelling
    • Section I — Property coverages — Coverage B — Other structures
    • Section I — Property coverages — Coverage C — Personal property
    • Section I — Property coverages — Coverage D — Loss of use
    • Section I — Property coverages — Additional coverages
    • 5.4 Section II — Liability coverages
    • Section II — Liability coverages — Coverage E — Personal liability
    • Section II — Liability coverages — Coverage F — Medical payments to others
    • Section II — Liability coverages — Additional coverages
    • 5.5 Perils insured against
    • 5.6 Exclusions
    • 5.7 Conditions
    • 5.8 Selected endorsements
    • Selected endorsements — Special provisions — Vermont (HO 01 44)
    • Selected endorsements — Limited fungi, wet or dry rot, or bacteria coverage — Vermont (HO 04 02)
    • Selected endorsements — Permitted incidental occupancies (HO 04 42)
    • Selected endorsements — Earthquake (HO 04 54)
    • Selected endorsements — Scheduled personal property (HO 04 61)
    • Selected endorsements — Personal property replacement cost (HO 04 90)
    • Selected endorsements — Home day care — Vermont (HO 23 45)
    • Selected endorsements — Business pursuits (HO 24 71)
    • Selected endorsements — Watercraft (HO 24 75)
    • Selected endorsements — Personal injury (HO 24 82)
  • Auto Insurance (12%)
    • 6.1 Laws
    • Laws — Vermont Motor Vehicle Financial Responsibility and Insurance Laws (Title 23 Chapter 11 Sec 800–943)
    • Laws — Vermont Motor Vehicle Financial Responsibility and Insurance Laws (Title 23 Chapter 11 Sec 800–943) — Required limits of liability (Title 23 Chapter 11 Sec 801)
    • Laws — Vermont Motor Vehicle Financial Responsibility and Insurance Laws (Title 23 Chapter 11 Sec 800–943) — Required proof of insurance (Bul 77)
    • Laws — Vermont Automobile Insurance Plan (4241–4246)
    • Laws — Vermont Automobile Insurance Plan (4241–4246) — Eligibility
    • Laws — Vermont Automobile Insurance Plan (4241–4246) — Liability limitations
    • Laws — Vermont Automobile Insurance Plan (4241–4246) — Physical damage coverage limitations
    • Laws — Uninsured/underinsured motorist (Title 23 Chapter 11 Sec 941)
    • Laws — Uninsured/underinsured motorist (Title 23 Chapter 11 Sec 941) — Definitions
    • Laws — Uninsured/underinsured motorist (Title 23 Chapter 11 Sec 941) — Required limits of liability
    • Laws — Uninsured/underinsured motorist (Title 23 Chapter 11 Sec 941) — Bodily injury
    • Laws — Uninsured/underinsured motorist (Title 23 Chapter 11 Sec 941) — Property damage
    • Laws — Cancellation/nonrenewal
    • Laws — Cancellation/nonrenewal — Grounds (4223)
    • Laws — Cancellation/nonrenewal — Notice (4224–4226)
    • 6.2 Personal auto policy
    • Personal auto policy — Definitions
    • Personal auto policy — Liability coverage
    • Personal auto policy — Liability coverage — Bodily injury and property damage
    • Personal auto policy — Liability coverage — Supplementary payments
    • Personal auto policy — Liability coverage — Exclusions
    • Personal auto policy — Liability coverage — Duty to defend
    • Personal auto policy — Medical payments
    • Personal auto policy — Uninsured motorist/underinsured motorist coverage
    • Personal auto policy — Coverage for damage to your auto
    • Personal auto policy — Coverage for damage to your auto — Collision
    • Personal auto policy — Coverage for damage to your auto — Other than collision
    • Personal auto policy — Coverage for damage to your auto — Deductibles
    • Personal auto policy — Coverage for damage to your auto — Transportation expense
    • Personal auto policy — Coverage for damage to your auto — Exclusions
    • Personal auto policy — Duties after an accident or loss
    • Personal auto policy — General provisions
    • Personal auto policy — Selected endorsements
    • Personal auto policy — Selected endorsements — Amendment of policy provisions — Vermont (PP 01 72)
    • Personal auto policy — Selected endorsements — Towing and labor costs (PP 03 03)
    • Personal auto policy — Selected endorsements — Extended non-owned coverage (PP 03 06)
    • Personal auto policy — Selected endorsements — Miscellaneous type vehicle (PP 03 23)
    • Personal auto policy — Selected endorsements — Joint ownership coverage — Vermont (PP 03 80)
    • 6.3 Commercial auto
    • Commercial auto — Commercial auto coverage forms
    • Commercial auto — Commercial auto coverage forms — Business auto
    • Commercial auto — Commercial auto coverage forms — Business auto physical damage
    • Commercial auto — Commercial auto coverage forms — Truckers
    • Commercial auto — Commercial auto coverage forms — Motor carrier
    • Commercial auto — Coverage form sections
    • Commercial auto — Coverage form sections — Covered autos
    • Commercial auto — Coverage form sections — Liability coverage
    • Commercial auto — Coverage form sections — Garagekeepers coverage
    • Commercial auto — Coverage form sections — Trailer interchange coverage
    • Commercial auto — Coverage form sections — Physical damage coverage
    • Commercial auto — Coverage form sections — Exclusions
    • Commercial auto — Coverage form sections — Conditions
    • Commercial auto — Coverage form sections — Definitions
    • Commercial auto — Selected endorsements
    • Commercial auto — Selected endorsements — Lessor — additional insured and loss payee (CA 20 01)
    • Commercial auto — Selected endorsements — Mobile equipment (CA 20 15)
    • Commercial auto — Selected endorsements — Auto medical payments coverage (CA 99 03)
    • Commercial auto — Selected endorsements — Drive other car coverage (CA 99 10)
    • Commercial auto — Selected endorsements — Individual named insured (CA 99 17)
    • Commercial auto — Commercial carrier regulations
    • Commercial auto — Commercial carrier regulations — The Motor Carrier Act of 1980
    • Commercial auto — Commercial carrier regulations — Endorsement for motor carrier policies of insurance for public liability (MCS-90)
  • Commercial Package Policy (CPP) (12%)
    • 7.1 Components of a commercial policy
    • Components of a commercial policy — Common policy declarations
    • Components of a commercial policy — Common policy conditions
    • Components of a commercial policy — Interline endorsements
    • Components of a commercial policy — One or more coverage parts
    • 7.2 Commercial general liability
    • Commercial general liability — Commercial general liability coverage forms
    • Commercial general liability — Commercial general liability coverage forms — Bodily injury and property damage liability
    • Commercial general liability — Commercial general liability coverage forms — Personal and advertising injury liability
    • Commercial general liability — Commercial general liability coverage forms — Medical payments
    • Commercial general liability — Commercial general liability coverage forms — Supplementary payments
    • Commercial general liability — Commercial general liability coverage forms — Who is an insured
    • Commercial general liability — Commercial general liability coverage forms — Limits of liability
    • Commercial general liability — Commercial general liability coverage forms — Conditions
    • Commercial general liability — Commercial general liability coverage forms — Definitions
    • Commercial general liability — Commercial general liability coverage forms — Exclusions
    • Commercial general liability — Premises and operations
    • Commercial general liability — Products and completed operations
    • Commercial general liability — Insured contract
    • 7.3 Commercial property
    • Commercial property — Commercial property conditions form
    • Commercial property — Coverage forms
    • Commercial property — Coverage forms — Building and personal property
    • Commercial property — Coverage forms — Condominium association
    • Commercial property — Coverage forms — Condominium commercial unit-owners
    • Commercial property — Coverage forms — Builders risk
    • Commercial property — Coverage forms — Business income
    • Commercial property — Coverage forms — Extra expense
    • Commercial property — Coverage forms — Legal liability
    • Commercial property — Causes of loss forms
    • Commercial property — Causes of loss forms — Basic
    • Commercial property — Causes of loss forms — Broad
    • Commercial property — Causes of loss forms — Special
    • Commercial property — Selected endorsements
    • Commercial property — Selected endorsements — Ordinance or law (CP 04 05)
    • Commercial property — Selected endorsements — Spoilage (CP 04 40)
    • Commercial property — Selected endorsements — Peak season limit of insurance (CP 12 30)
    • Commercial property — Selected endorsements — Value reporting form (CP 13 10)
    • 7.4 Commercial crime
    • Commercial crime — General definitions
    • Commercial crime — General definitions — Burglary
    • Commercial crime — General definitions — Theft
    • Commercial crime — General definitions — Robbery
    • Commercial crime — Crime coverage forms
    • Commercial crime — Crime coverage forms — Commercial crime coverage forms (discovery/loss sustained)
    • Commercial crime — Crime coverage forms — Government crime coverage forms (discovery/loss sustained)
    • Commercial crime — Coverages
    • Commercial crime — Coverages — Employee theft
    • Commercial crime — Coverages — Forgery or alteration
    • Commercial crime — Coverages — Inside the premises — theft of money and securities
    • Commercial crime — Coverages — Inside the premises — robbery or safe burglary of other property
    • Commercial crime — Coverages — Outside premises
    • Commercial crime — Coverages — Computer fraud
    • Commercial crime — Coverages — Funds transfer fraud
    • Commercial crime — Coverages — Money orders and counterfeit money
    • Commercial crime — Other crime coverage
    • Commercial crime — Other crime coverage — Extortion — commercial entities
    • 7.5 Commercial inland marine
    • Commercial inland marine — Commercial inland marine conditions form
    • Commercial inland marine — Inland marine coverage forms
    • Commercial inland marine — Inland marine coverage forms — Accounts receivable
    • Commercial inland marine — Inland marine coverage forms — Bailee's customers
    • Commercial inland marine — Inland marine coverage forms — Commercial articles
    • Commercial inland marine — Inland marine coverage forms — Contractors equipment floater
    • Commercial inland marine — Inland marine coverage forms — Electronic data processing
    • Commercial inland marine — Inland marine coverage forms — Equipment dealers
    • Commercial inland marine — Inland marine coverage forms — Installation floater
    • Commercial inland marine — Inland marine coverage forms — Jewelers block
    • Commercial inland marine — Inland marine coverage forms — Signs
    • Commercial inland marine — Inland marine coverage forms — Valuable papers and records
    • Commercial inland marine — Transportation coverages
    • Commercial inland marine — Transportation coverages — Common carrier cargo liability
    • Commercial inland marine — Transportation coverages — Motor truck cargo forms
    • Commercial inland marine — Transportation coverages — Transit coverage forms
    • 7.6 Equipment breakdown
    • Equipment breakdown — Equipment breakdown protection coverage form (EB 00 20)
    • Equipment breakdown — Selected endorsement
    • Equipment breakdown — Selected endorsement — Actual cash value (EB 99 59)
    • 7.7 Farm coverage
    • Farm coverage — Farm property coverage forms
    • Farm coverage — Farm property coverage forms — Coverage A — Dwellings
    • Farm coverage — Farm property coverage forms — Coverage B — Other private structures
    • Farm coverage — Farm property coverage forms — Coverage C — Household personal property
    • Farm coverage — Farm property coverage forms — Coverage D — Loss of use
    • Farm coverage — Farm property coverage forms — Coverage E — Scheduled farm personal property
    • Farm coverage — Farm property coverage forms — Coverage F — Unscheduled farm personal property
    • Farm coverage — Farm property coverage forms — Coverage G — Other farm structures
    • Farm coverage — Farm liability coverage form
    • Farm coverage — Farm liability coverage form — Coverage H — Bodily injury and property damage liability
    • Farm coverage — Farm liability coverage form — Coverage I — Personal advertising injury liability
    • Farm coverage — Farm liability coverage form — Coverage J — Medical payments
    • Farm coverage — Mobile agricultural machinery and equipment coverage form
    • Farm coverage — Livestock coverage form
    • Farm coverage — Definitions
    • Farm coverage — Cause of loss (basic, broad and special)
    • Farm coverage — Conditions
    • Farm coverage — Exclusions
    • Farm coverage — Limits
    • Farm coverage — Additional coverages
  • Businessowners Policy (15%)
    • 8.1 Characteristics and purpose
    • 8.2 Businessowners Section I — Property
    • Businessowners Section I — Property — Coverage
    • Businessowners Section I — Property — Exclusions
    • Businessowners Section I — Property — Limits
    • Businessowners Section I — Property — Deductibles
    • Businessowners Section I — Property — Loss conditions
    • Businessowners Section I — Property — General conditions
    • Businessowners Section I — Property — Optional coverages
    • Businessowners Section I — Property — Definitions
    • 8.3 Businessowners Section II — Liability
    • Businessowners Section II — Liability — Coverages
    • Businessowners Section II — Liability — Exclusions
    • Businessowners Section II — Liability — Who is an insured
    • Businessowners Section II — Liability — Limits of insurance
    • Businessowners Section II — Liability — General conditions
    • Businessowners Section II — Liability — Definitions
    • 8.4 Businessowners Section III — Common Policy
    • Businessowners Section III — Common Policy — Conditions
    • 8.5 Selected endorsements
    • Selected endorsements — Protective safeguards (BP 04 30)
    • Selected endorsements — Utility services — direct damage (BP 04 56)
    • Selected endorsements — Utility services — time element (BP 04 57)
Examination sources